Hess Insurance Solutions

Hess Insurance Solutions Bridging holistic health, self-pay strategies, and smart insurance for healthy/low-risk people. Group plans for small businesses/entrepreneurs( 1-10+ people).

https://linktr.ee/Kimberlyhess Hi, I’m Kimberly Hess — founder of Hess Insurance Solutions and a licensed health and life insurance broker serving individuals, families, and small business owners across the country. I specialize in affordable, private alternatives to the Marketplace that offer better benefits, more flexibility, and often significantly lower premiums. My background is rooted in wellness and proactive care, and I believe your health plan should reflect the same mindset: preventative, protective, and personalized. Whether you're a self-employed professional, growing a business, or just trying to figure out how to keep your family covered without breaking the bank, I’m here to guide you every step of the way. I partner with leading carriers including First Health Network, Aetna, United, and PALIC to offer customized plans with options like $0 outpatient deductibles, critical illness protection, accident coverage, and even 24/7 Teledoc access. With year-round enrollment and no need to wait for open enrollment, I help clients get the coverage they need exactly when they need it. Beyond plans and premiums, I’m passionate about education and connection. I host women’s networking events, webinars, and one-on-one consultations to empower people to understand their options and make confident decisions. This isn’t just about policies—it’s about peace of mind. When I’m not building health coverage strategies, I’m either lifting weights, walking my daughter into another adventure, or sipping coffee at a local café while dreaming up my next community collaboration. My goal is to help you protect what matters most—with clarity, compassion, and maybe a little humor along the way. Let’s simplify your insurance, together.

03/13/2026

Most entrepreneurs don’t realize they have more options than the Marketplace.

And sometimes they’re actually doing themselves a disservice by assuming that’s the only route.

If you’re receiving a subsidy through the Marketplace, it can lower your monthly premium, which sounds great on the surface. But what many people don’t realize is that those subsidies are based on estimated income.

If your income ends up higher than projected, you may have to pay some of that subsidy back at tax time. I’ve already seen it happen to several people.

Another thing many business owners don’t realize is that depending on the structure of your business and how your coverage is set up, some plans can potentially be treated as a business expense. Of course, that’s always something to confirm with your CPA.

The point is this.

The Marketplace is one option. It’s not the only option.

And if you’re self employed or running a small business, it’s worth understanding all the choices available to you before you lock into one path.

If you’re not sure whether your current plan is the best fit, comment REVIEW and I’m happy to take a look.

Sometimes your plan is great.
Sometimes there are better options.

But you won’t know unless you check.

03/12/2026

Just joking… but seriously 😆

You ever text someone:

What are you doing?
Where are you at?
Do you have plans?

That’s basically me when someone misses their Zoom call.

The funny part is… I make it ridiculously easy to meet with me.

It’s just a 15 minute discovery call.

I send reminders.
I send the Zoom link.
All you have to do is show up with a cup of coffee and a few questions.

In about 15 minutes we can walk through modern approaches to healthcare coverage that many people don’t even realize exist.

And honestly the most common thing I hear at the end of the call is:

“I’m so glad I reached out to you, Kim. I had no idea I could do this.”

If you’ve been curious about your options, that quick conversation can open your eyes more than you think.

Sometimes it just takes 15 minutes to learn something that could save you thousands.
Comment INFO if you would like to chat!

03/12/2026

Today I ran several health insurance quotes for people who are perfectly healthy.

Most of them were paying for plans designed for people who are sick and constantly using the healthcare system.

That’s the biggest mistake I see.

Healthy entrepreneurs and self employed professionals often end up in plans that include a lot of things they may never use while missing options that could actually save them money.

Health insurance should fit your situation, your health, and your risk tolerance.

Not just whatever website the internet sends you to.

That’s why I spend most of my day reviewing options and helping people understand what they’re actually paying for.

Sometimes the current plan makes sense.

Sometimes it doesn’t.

But at least you’ll know.

If you’re curious whether you’re overpaying or not, comment REVIEW below and I’ll take a quick look at your situation.

No pressure. Just information.

Because healthy people shouldn’t be paying sick people prices.

03/11/2026

Things people feel comfortable telling their health insurance broker

• Their Candy Crush level
• That they ate an entire bag of peanut M&Ms last night
• Their neighbor’s drama
• Their ex’s new girlfriend

Totally fine. I’m here for the tea. ☕

But when we’re looking at certain low risk health plans, the underwriters care about slightly different things…

Like whether you’ve ever had:

• Heart attack
• Stroke
• Internal cancer
• Type 1 diabetes
• Crohn’s disease

Those are the things that determine whether you qualify for some private plans.

And here’s the truth nobody talks about:

You want to lock in a plan before something serious happens.

Because once it does, your choices shrink fast and most people end up on the Marketplace with whatever they can get.

So yes… tell me about Candy Crush.

But also tell me the medical stuff so we can find you the right plan while you still have options.

Mindset Sunday: Your health is your most important KPI. Most high-achieving women 35+ treat health like a 'someday' proj...
03/11/2026

Mindset Sunday: Your health is your most important KPI.

Most high-achieving women 35+ treat health like a 'someday' project. Stop. You can’t lead a team or raise a family from a hospital bed.

The data is WILD. In 2026, premiums are projected to rise 5-6%. With subsidy expirations and new rules, family deductibles could skyrocket. Default coverage is a financial risk you can't afford.

Healthy Wealthy Thriving is a strategy. It means proactive protection without the 'frills' you don’t need. Private options offer the freedom to choose your own doctors without the bloated costs of government alternatives.

Protect your health to protect your wealth.

Comment INFO to learn more or PM me to jump on a quick 15 min discovery call.

03/09/2026

I get calls every single day from people saying the same thing. “I hate my insurance. What am I even paying for?”
I hear you. I really do. But here’s the thing — most of the time? It’s not that your insurance is bad. It’s that nobody ever told you what’s actually in it.
Because if you have a private health insurance plan — whether your job set it up or you’re a small business owner who got it yourself — listen to me right now. You can go to ANY doctor you want. ANY. DOCTOR. You want.
Your acupuncturist. Your functional medicine doctor. Your naturopath. Your chiropractor. Your nutritionist. The holistic providers that actually look at your WHOLE body and not just your symptoms? Yeah. Those people. Covered.
No referral. No gatekeeper. No asking permission. No co-pays. No deductible to meet first. You find the provider that aligns with how YOU want to take care of your body. You book the appointment. You go. That’s it.
This is the part people don’t realize they have until it’s too late. Private health insurance is one of the most underused benefits out there. You have access to a full network of providers and you are not stuck with whoever takes your plan. You are in the driver’s seat.
And your marketplace plan? Many of those cover dietitian visits and physical therapy at zero cost to you. You are already paying your premium every month.
So before you say you hate your insurance — let me actually show you what’s in it. Drop a comment or send me a message. I look at this stuff every single day so you don’t have to.​​​​​​​​​​​​​​​​

03/08/2026

More and more entrepreneurs and families are shifting toward holistic care.

Not because it’s trendy.
Because it actually makes sense.

When you’re paying out of pocket anyway, self-pay often ends up being the simplest and most transparent option. No referrals. No waiting months. No insurance company telling you where you can or can’t go.

People want the freedom to choose their care.

Chiropractors.
Acupuncturists.
Hormone specialists.
Functional medicine doctors.
Integrative practitioners.

I’m seeing more clients build their own personal wellness team instead of relying on a one-size-fits-all system.

So I’m curious.

Who do you trust for your holistic care?

I’m compiling a local referral list of great practitioners that people actually love and get results from.

Drop their name below or send me a message.
If you’re a practitioner yourself, feel free to reach out too.

Let’s help more people find the right care. 🌿

03/06/2026

Holistic healthcare matters more than ever.

More and more people are realizing that taking care of their health isn’t just about going to the doctor when something is wrong.

It’s about prevention.
It’s about balance.
It’s about actually feeling good in your body.

For some people that means seeing a traditional physician.
For others it might include a chiropractor, an acupuncturist, a hormone specialist, or a functional medicine doctor.

And here’s the thing that drives me crazy about a lot of insurance plans…

They try to control where you go and who you can see.

Your health should not be run like a referral maze.

You should be able to choose the practitioners that support your health goals.
You should be able to build the care team that works for your body.

As a broker, I have a choice in the plans I recommend.

And nine times out of ten, I’m going to choose the one that gives you the most freedom to decide who you trust with your health.

Because real healthcare isn’t one size fits all.

It’s personal.

And you deserve options.

does your health plan allow you to choose your doctors?

03/06/2026

Here’s what to do if a surprise bill shows up:

1. Don’t pay it immediately

2. Call the billing department and reference the No Surprises Act

3. If they push back, file a complaint with the NC Department of Insurance at 1-855-408-1212

One thing worth knowing 🚨 Ground ambulances are NOT covered by this law. That’s still a gap. BUT a supplemental accident policy can provide coverage for your ambulance ride AND will likely cover your deductible too. For around $30 a month, it’s one of the most underrated tools in your benefits toolkit.

Save this. Share it. Your wallet will thank you. 💛 Follow me for more holistic health and health insurance nuggets ❤️

📲 Questions about your coverage? I’m always here…Just message me!

03/03/2026

Here’s the funny part…

Put me one-to-one with a client?
On the phone?
At coffee?
Explaining a plan in person?

Completely different human.

Calm. Confident. Clear.

But put a camera in front of me and suddenly it feels like I’m speaking at a stadium with 50,000 people judging my eyeliner and my deductible explanation.

It’s stage fright. Every time.

And here’s what I’ve learned:

• Social media feels bigger than it is
• The phone feels personal
• In person feels natural

The screen makes it feel like you’re being “watched.”
In reality, most people are folding laundry while half listening.

The good news? It does get easier.

Not because the fear disappears…
But because you stop taking yourself so seriously.

When you can laugh at yourself, people relax.
When you’re honest about being nervous, people trust you more.
When you show up imperfect, you look human… not salesy.

And especially in health insurance, people don’t want a polished robot.
They want someone real who will answer the phone when something goes wrong.

So yes. I still get stage fright.

But I hit post anyway.

Because growth is uncomfortable… and so was learning how deductibles actually work the first time. 😉

If you’re building a business and feel awkward online, you’re not alone. Keep going.

It gets easier.

03/02/2026

Here’s the truth nobody wants to say out loud:

If you’re a healthy, low-risk individual who barely goes to the doctor… why are you paying sky-high premiums “just in case”?

Insurance is about managing risk.
Not prepaying for every possible disease on the planet.

If you:
• Rarely see a doctor
• Take care of yourself
• Don’t have chronic conditions
• Just want protection from a major accident or diagnosis

Then locking yourself into an overpriced, one-size-fits-all plan makes zero financial sense.

Big carriers advertise the loudest. That doesn’t mean they’re your only option.

There are innovative, more strategic healthcare plans built specifically for healthy individuals who want:

✔ Catastrophic protection
✔ Flexible provider access
✔ Lower monthly premiums
✔ Coverage that fits their actual lifestyle

They just aren’t plastered all over billboards.

Most people overpay because they don’t know alternatives exist.

That’s where a broker comes in.

I don’t work for one company.
I work for you.

If you’re tired of paying for coverage that doesn’t match your risk profile, let’s review your options. You might be surprised at what’s available.

Health is wealth.
But overpaying for the wrong plan isn’t smart strategy.

Comment INFO below!

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Raleigh, NC

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